Do you have insurance for your most important financial asset? You may think you’re covered because you have insurance for your car, home or even jewelry. Unfortunately, if you don’t have adequate disability income insurance, you may not be protecting what matters most – your paycheck. The reality is that few American workers are financially […]

It’s easy not to think much about your roof, that is until a major hail storm hits. Unfortunately, this happens a lot in Colorado, more than almost anywhere else in the U.S. In fact, according to Coors Credit Union Insurance Agency agent Lynn Thompson, the frequency and severity of hail storms in recent years is […]

Many people think that if their home isn’t in a designated flood zone, they don’t need flood insurance. After all, if the mortgage company isn’t requiring it, it must not be that important, right? You may want to think again. Sure, if you’re living next to a river, you can see why you’d need flood […]

Buying your first home is an exciting prospect, carrying with it a strong sense of accomplishment and independence. It’s also likely the biggest financial investment you’ll make – at least until your next home purchase – and will most likely require you to obtain a mortgage to pay for it. Here are some topics for […]

With the New Year coming up, many people may be thinking about what they can do about reducing their personal debt, which in America has reached almost staggering levels: the average amount of household debt tops $134,000, including mortgages, credit cards, car loans and student debt. That’s a heavy load financially and personally – carrying […]

As an entrepreneur, you know that starting a business is challenging. What you may not have considered is how difficult continuing that business can become, especially if one of your co-owners retires, gets divorced, or suddenly becomes disabled or dies. A business may face significant cash flow problems and internal strife should an owner unexpectedly […]

Americans enjoy some of the lowest food prices in the world, yet still spent an average of $7,023 on food, both home and out, in 2015, an almost 4 percent increase over 2014. This equates to $135 spent on food each week – yet the USDA reports that we regularly waste one third of the […]

If you’re kicking around the idea of selling, you may be worried that there’s too much to do to get your house ready to market. But a few simple, relatively inexpensive steps can make a big difference when it comes time to show off your home to prospective buyers. Many sellers use a professional “stager” […]

So what is CPS? CPS (Capital Preservation Strategy) is a sophisticated and extremely effective way to mitigate capital gains upon the sale of any highly appreciated asset with a sales price of $500,000 to $500,000,000 or more. These assets include but are not limited to businesses, real-estate (commercial or residential), precious stones or metals, artwork […]

No one really likes to think about the end of their lives, but as parents age it’s important to consider the implications their children will face if they either fall significantly ill, or sadly, pass away. There are some simple steps that can help make either of those painful situations a little easier for those […]